NxMB,2004-10-17,RE,001,Bs-4C,E1

A New York Times Real Estate cover that reported on Margaret Wragg's dilemma--a case study in what many housing experts say is an increase in complaints of housing fraud, abusive and predatory lending practices, phony appraisals and even outright thefts of deeds, as home prices have soared and interest rates have fallen.